Inkampani yeinshorensi Rosgosstrakh: MTPL ncomo. MTPL inkokhelo kwimeko yengozi (Rosgosstrakh): ncomo

Abantu abaninzi namhlanje bacinga ngayo ukuze benze ukuba ipolisi ye-inshorensi kwinkampani Rosgosstrakh. Izimvo CTP abasakwazi impikiswano, ingakumbi ekubeni abantu abaninzi babhenele Ngoncedo kwiinkampani ezizodwa inshorensi, njengoko kubalulekile ukuba umgaqo-nkqubo ye-inshorensi wagcinwa kubo kweli gumbi isikhuseli. Nangona kunjalo, abantu abaninzi abazi nokuba akwazi ukwenza njani emva kwengozi.

Yintoni na?

Xa kuziwa kwi-inshorensi yesinyanzelo, abaninzi recall Rosgosstrakh. Ukubuyekeza ku CTP, kwakunye iphulo lokwazisa omkhulu ukwenza uhlobo wawubonakala ngokwaneleyo, kodwa abaninzi ucinga ukuba benze lo mgaqo-nkqubo nokuba kukwenza kule nkampani kufuneka.

CTP umgaqo-inshorensi umele ukuba nawuphi na umnini kwezithuthi. Eyona iphambili yale inshorensi kukuba umonakalo nelahleko kwabangela ukuba isithuthi okanye abahlali impilo yawo, oluqhutywa xa kunokwenzeka ukuba uMntu oKhuselwe ngeInshorensi unoxanduva ingozi. Iirhafu kwi-nkqubo ezibekwe ngurhulumente, yaye ukuba umqhubi akanguye nkqubo, ngoko ke indlela eya kuyo akuvumelekanga ukuba ivele. Ngamanye amazwi, zonke iinkampani anikele (okanye, ubuncinane, kufuneka ukuba anikele) ixabiso efanayo, kwaye musa ukuba afake isicelo Rosgosstrakh. Ukubuyekeza ku CTP ezinye iinkampani ezininzi sivame awunayo kodwa, umgaqo, imeko yangoku kwishishini inshorensi kunjalo, akusoloko kusenzeka ukuba ukufikelela inzuzo ngaphandle naziphi na iingxaki.

Njani na intlawulo?

Eyona nto ibalulekileyo kufuneka ufunde CTP - kukuba ngokungqinelana nomgaqo-nkqubo kulawulwa umonakalo nelahleko ukuba wabangela ingakumbi ngumntu wesithathu, nokuba na isithuthi okanye ubomi kunye nempilo abakhweli ababekulo kuyo. Eqinisekisa icala lwazo lwembambano, kumsitho wetyala ulahlekelwa ngokupheleleyo naziphi na ngoku ixhalabele umonakalo, kwaye olu khetho inikeza inshorensi Rosgosstrakh. Ukubuyekeza ku CTP bathi nkqubo yokubhalisa mandatory kubaluleke kakhulu, njengoko ukulahleka umntu omsulwa kubuyiselwa ngokukhawuleza kangangoko kunokwenzeka.

Kulo mzekelo, isithuthi le zeinshorensi mntu kwakunye ubomi bakhe, impilo okanye ipropati bangabi ikhuselwe nangayiphi na indlela ngokungqinelana nomgaqo-nkqubo ye-inshorensi. Imbuyekezo for umonakalo ofunyenwe nguwe, uya sele uthathe indawo imali, okanye, kwimeko ubhaliso inkampani nkqubo CASCO inshorensi. Kungenxa yesi sizathu ukuba akukho sizathu sokuba uthandabuze ingaba ukukhupha umgaqo-nkqubo luyimfuneko, loo nto ihlala kuphela ukukhetha - ukukwenza oko kwinkampani ethile okanye yiya iyanikela, nto leyo eyenza ukuba inkampani ye-inshorensi Rosgosstrakh. Izimvo CTP bathi uyilo igobhogobho, ukongeza kufuneka yenziwe kuyo nayiphi na imeko.

Nawuphi na umqhubi umele asondeze ezabo sixhobo kumgaqonkqubo liability insurance, okanye ubuncinane kufuneka zifakwe-nkqubo onjalo. Lo mgaqo usebenza nokuba nje kwenziwa imigama imoto ukusuka showroom kwindawo yobhaliso, kwaye ngaphandle kuphela kulo mzekelo i imeko apho kukho kungekho miqobo inani labantu kwi-inshorensi MTPL ukuba ingaphinda iyiqhube imoto, yaye olu khetho inika kwinkampani ye-inshorensi Rosgosstrakh. Izimvo CTP hlobo sibonisa ukuba, mgaqo, umnini imoto eqhelekileyo akukho mfuneko.

Ukuba ngaba umgaqo-nkqubo MTPL, awuna ilungelo ukuhamba endleleni, kwaye ngexesha elinye nawe uya kuba nako ukubhalisa imoto yakho amapolisa endlela. Ukongeza, engxakini enkulu lo mqhubi kulindeleke xa kunokwenzeka ukuba kwimeko yengozi, yena nje akayi kuba nako ukunika olu xwebhu.

Ukuba uqhuba, kufuneka kusoloko sibekho kwikhaya original kolu xwebhu, akukhathaliseki nokuba iyazigatya nayiphi na inkampani okanye kunjalo Rosgosstrakh. Izimvo kwentlawulo MTPL bathi nangona ukuze uphumelele (intlawulo uphela ngamanye amaxesha kuyimfuneko ukuba 'ukutsala' ngobude iingxoxo), kodwa nangoku kakhulu elisombulula ingxaki umqhubi okanye abaqhubi eziye amaqela yengozi ityala lakho. Ukuba ipolisi onayo, kodwa umane undilibele ekhaya, ngoko umhloli ukuthumela isithuthi sakho esikiti imoto, apho kuya kuba lula ukukhetha up kuphela kwimeko lichaze eli xwebhu.

iintlawulo ze-inshorensi

Ukungqinelana nomthetho ngoku kulawulwa ngokupheleleyo yi umonakalo nemigangatho ethile icala elalichaphazeleka ilahleko ngenxa yengozi okanye isehlo kwaso nasiphi na esinye isiganeko benefits, oko kukuthi, kulo mzekelo, imithetho ukuhlela Rosgosstrakh. Izimvo kwentlawulo MTPL lubonisa ukuba oku akusoloko wayehlonelwa, yaye ngokufuthi zithe gangqa imbuyekezo ahambelanayo.

Umthetho umisela ongu kunokwenzeka lweentlawulo MTPL, apho inkampani ye-inshorensi iya ukudlulisela ngokupheleleyo neyaphukileyo umntu imbuyekezo okanye enze kwi ukulungiswa yayo imoto ngeendleko recovery ukuze inkangeleko yaso yesiqhelo.

Kwakhona ngokungqinelana nomthetho ngoku libonelela inani iimeko apho umonakalo ebangelwe asilotyala uMntu oKhuselwe ngeInshorensi, nje ayikwazi ukuba babuyekezwe ngoncedo kwinkampani yeinshorensi Rosgosstrakh. Izimvo of CTP (eMoscow) Kudla ngokuthiwa ukuba ufuna ukuqhubela phambili baqonde ezi nezo ukuze kufuna intlawulo evela kwinkampani ye-inshorensi, ukuba qiniseka ukuba ukhwankqe kunene.

ixesha

Xa uninzi amatyala CTP sikhutshiwe ukuba kunyaka omnye, kodwa enyanisweni kunokwenzeka ukuba akhuphe inkqubo isithuba seenyanga ezintathu, xa kukho imfuneko. Ukuba une onawo imoto ebhaliswe aphesheya, kodwa sebenzisa oko eRashiya, ngoko kuloo meko kufuneka ngokusesikweni le nkqubo isithuba zokusetyenziswa imoto (ubuncinane iintsuku ezili-15 kuyo nayiphi na inkampani, kuquka Rosgosstrakh) okwethutyana. inkampani ye-inshorensi (CTP ncomo abathengi - source) angala ukukhupha umgaqo-nkqubo ngeli xesha nokunyanzelisa ixesha elide, kodwa ke eneneni unelungelo lokubanga ukuba umgaqo-nkqubo "kwiveki ezimbini-".

iindleko

Mu kuya kwa nshita igobhogobho, ixabiso apho zinokwahluka kakhulu ukusuka zenkampani kwinkampani, kuxhomekeke amaxabiso nkqubo zabo, iindleko CTP Iqinisekile kwaye uzimisele ngokungqinelana okuza iitharifi zimiselwa ngurhulumente. Enyanisweni, lo mgaqo kukuqinisekisa ukuba iinkampani ze-inshorensi abanalo ithuba understate okanye ayikhulise iindleko zale nkqubo, nokuba yenziwe i-inshorensi imoto MTPL (Rosgosstrakh). Ukuphonononga bathi, umgaqo, inkampani idibana le mfuneko, kodwa, njengoko kukhankanyiwe ngasentla, ukwandisa ixabiso rhoqo ukufumana ukusetyenziswa iisevisi ezongezelelweyo.

Ngokwawo, ixabiso le-CTP ukuba umqhubi ngamnye uzimisele ngokwahlukeneyo kwaye kuthathelwa ingqalelo kulo mzekelo uphawu isithuthi inshorensi, amava ngemoto inxalenye umnini wesithuthi, lo mmandla apho aya kusetyenziswa kwisithuthi, kwakunye nezinye izinto ezininzi zokuhlala. Isalathisi nganye eyahlukileyo ngamnye kulindeleke ukuba ukwandisa okanye ukunciphisa inani ogama umqulu ngokwaneleyo ngokuqinileyo imimiselo karhulumente iintlobo olulawulwayo.

wenza njani lo mgaqo-nkqubo?

Ekuqaleni, lo mthetho uthe bekumele kuphela ukhetho zokuhlala enye - loo woniweyo, baza ilahleko ngenxa yengozi ayilotyala zabo, kwafuneka ukuba afake isibheno kwinkampani ye-inshorensi loo mntu wenze lo monakalo. Kutshanje, Noko ke, kwagqitywa ukwenza utshintsho oluthile inkqubo yokufumana imbuyekezo inshorensi ukuya inkqubo zokufumana imali xa lo mcimbi inshorensi kwaba nzima kangaka. Ngokuhambelana ezi zihlomelo, ukuba ngethuba ingozi akukho nobungozi kwimpilo yabantu ziye isicelo, ngaloo ndlela zithotyelwe uninzi neemeko ezongezelelweyo, ukuba afune imbuyekezo umonakalo ngayo ukwazi inshorensi sakho, njengokuba umsebenzi rule "yomonakalo ngqo". Ukongeza, ukuba umonakalo ayikho ngaphezu kwama-50 000, kulo mzekelo Akukho mfuneko ukubiza amapolisa ezendlela, kwaye zingasetyenziswa ekuthiwa-protocol yaseYurophu.

Ukuqwalaselwa kwezicelo imbuyekezo yi kwinkampani ye-inshorensi iya kuqwalaselwa iintsuku kungekho ngaphezulu kwama-20, yaye kubalulekile ukuba siqwalasele kuyilo-nkqubo, yaye ukuba unayo enkundleni kunye Rosgosstrakh (CTP). Ukuphonononga ukuba abanini-nkqubo bathi kaninzi kuthatha ixesha elide ukuba ukuqwalaselwa ityala ekugqibeleni kukhokelela ekubeni le nkampani iye yaba lula kakhulu ukuthatha intlawulo ngokupheleleyo ukuba iye ngaphambili wala ukunika kuyo. Asimele silibale ukuba ngosuku ngalunye ukulibaziseka kwinkampani ye-inshorensi kuza kufuneka uhlawule isohlwayo wenani 1/75 inxalenye mboleko ye-Central Bank isixa lomonakalo.

Imiqathango, leyo ebiqaliswe kwi nelona qondo liphezulu zezibonelelo zeinshorensi zisoloko zibangela ukuba abakwazi ukugubungela yonke imali umonakalo liability isixhobo nepolisi ye-inshorensi Rosgosstrakh. Ezo zimvo zivakalisiweyo ukuze kuqatshelwe ukuba ukuba neziphumo neentsilelo zihlala etshabalalisayo kakhulu, ngoko yonke umahluko phakathi umonakalo kunye nentlawulo kwinkampani ye-inshorensi kuza kufuneka ukubuyisela ngokwabo. Kungenxa yeso sizathu ke kucetyiswa ukuba babhalise ezongezelelweyo-nkqubo omnye DSAGO, nto leyo evumela ukuhlawula kuyo nayiphi na imeko.

Yenza konke elula?

Ekuqaleni, abantu abaninzi bacinga ukuba akukho phantse akukho "gotchas 'xa kuthelekiswa ne-Hull, kodwa enyanisweni, kwanokuba oku kunjalo, asimele akanakusuke kukhetho kwinkampani yeinshorensi ethembekileyo ngokwenene kunye noxanduva, kuba akukho bani uya kwenza oko esikhundleni sakho. Ukuba ngebhaqo ukufumana wena onoxanduva ingozi, kuya kufuneka akhusele ngokupheleleyo, kwaye akukho mahluko phakathi kwenu kuya kusinceda njani inshorensi okanye hayi - ubungakanani iqela owenzakeleyo kufuneka zihlawulwe ngokupheleleyo, ngoko ke inani labantu wabulawa kwinkampani ye-inshorensi Rosgosstrakh. Izimvo CTP bathi le nkqubo kufuneka beze ngocoselelo, ukuba ufuna uncedo kakhulu ngenene kwi-inshorensi yakho xa kuthe ityala elinjalo.

Kananjalo kubalulekile ukuba siqaphele kukuba kuyo nayiphi na imeko, iingcali bacebisa ukuba ukhethe imigaqo-nkqubo kunye nenani eliqingqiweyo labantu kwi-inshorensi, njengoko ivumela ukonga kwi-nkqubo ikhutshwe.

Ziziphi iingenelo Rosgosstrakh?

Ngokwawo, inkampani iye kule ntsimi ngaphezu kweminyaka engama-90, ngoko ke iqinisekisa ezifikelelekayo kakhulu kunye nomgangatho-inshorensi, nokuba yintoni na onomdla - DSAGO, CASCO okanye MTPL inshorensi. Rosgosstrakh, uhlolo ukuqinisekisa oku, kuloo mgaqo, yenza iintlawulo phantse lonke, kodwa kukho ezininzi iingxaki malunga mali, kunye nazo zonke iintlobo ngezaphulelo neenkonzo ezongezelelweyo, owokuqala nto leyo kuthathelwa ingqalelo, kwaye eyesibini - ngaba ebekwe, kodwa abafane enikiweyo.

Kutshanje nkampani lasungula ubhaliso yekhompyutha umsebenzi nkqubo kunye inkxaso kubathengi. Kwakhona uthi amagqabaza kwinkampani Rosgosstrakh. CTP kulo mzekelo iqulethe Utyikityo ngekhompyutha, yaye emva koko ziya kuthathwa njengezisemthethweni ngendlela efanayo njengoko uxwebhu lwephepha standard, kwanele ukushicilela nje.

Njani isicelo?

Nokuba sele inshorensi MTPL inkampani, unako ukuthenga le nkqubo kwakhona, ebamkele uxwebhu elektroniki ngokusebenzisa website esemthethweni ye nkampani. Zalisa i data, ukudala kwi-akhawunti yakho kwaye unawo umyalelo intlawulo, emva koko uya kunikwa ipolisi ye-inshorensi elektroniki. Ukongeza, inkampani nayo inika nabathengi ithuba lokubhalisela CTP intanethi, kodwa kamva afumane uxwebhu lwephepha sele kwenye i-ofisi omele kwisixeko sakho.

Kubalulekile ukuphawula ukuba okwangoku ukuthenga kwi-intanethi ye-inshorensi kunye amathuba uxwebhu lwephepha inikwa kuphela abahlali eyinkunzi kunye ne St Petersburg, kuquka iindawo mizi.

Ukuba sele uqhele ukuba ukusebenzisa ikhompyutha okanye musa bakhetha olu khetho ukuba ukunxibelelana, kulo mzekelo kutyelela enye ofisi ezininzi kwilizwe liphela nokuba yintoni umzi wena. Ukongeza, inkampani nayo inika inkonzo ukubiza i-arhente inshorensi e-ofisini yakho okanye ukude nekhaya, ngubani na oya ukuphendula nayiphi na imibuzo yakho, ngokunjalo ukuba i-inshorensi endaweni kwimeko elililo. Ungabuza kwakhona malunga neentlawulo MTPL kwimeko yengozi (Rosgosstrakh). Izimvo ke, uya kukuxelela iinkcukacha ezingakumbi malunga nenkqubo, kodwa igosa, unako ukufunda imigaqo esisiseko kwaye ufunde iimpawu isivumelwano kuwe.

Kubalulekile ukuqaphela ukuba, eyenza i-inshorensi, wena nje ukufumana isiqwenga sephepha, kwaye unalo ilungelo lokufumana intlawulo kunokwenzeka ukuba ube unoxanduva kwingozi. inkonzo Online ivumela iinkampani ukwenza le nkqubo ekhululekile yaye ngokukhawuleza njengoko nge-akhawunti yakho kwi-website esemthethweni, ungasoloko ukukhangela imo lwetyala Paymaster okanye wenze ingxelo ukuba isiphumo ukuba isiganeko inshorensi kwenzeka.

utshintsho Iluncedo kumthetho

Kukho izilungiso eziliqela luncedo ukuba umthetho ukuba kuqwalaselwa kwinkqubo yobhaliso ye-nkqubo:

• umonakalo enkulu ukuba impahla 400 000, kodwa lo mgaqo usebenza kuphela kwizivumelwano ekhuphe emva 10.01.2014 ziye;
• ngomonakalo ubuninzi kunokwenzeka empilweni okanye ubomi emva kwengozi ukuya engange-500 000, kodwa eli lungiselelo liyimfuneko kuphela xa izivumelwano wabulawa emva 04.01.2015;
• imbuyekezo olunokufuneka inshorensi yakho xa iingozi nxaxheba abantu ababini kuphela, kwaye ngexesha elifanayo umonakalo obangelwe kuphela izithuthi, ngoxa kwezinye iimeko, sele isicelo ngqo kwinkampani ye-inshorensi somntu lowo ngumtyholwa yengozi;
• inani eliphezulu kunokwenzeka umonakalo, njengako apho kunokwenzeka khona ukuba uqhagamshelane kwinkampani ye-inshorensi ngaphandle kwesidingo ukubiza amapolisa ezendlela, yi-50 000 engange, ukuba zombini abaqhubi izivumelwano MTPL zatyikitywa emva 02.08.2014;
• elide wokuhlawula iindleko zayo yonke imibuzo emva kokufumana isicelo iintsuku ezingama-20, ukubala kuqalise ngoko nangoko emva kokuba iphakheji amaxwebhu epheleleyo, kwaye ngeli xesha le nkampani kufuneka uthumele ukwala waqiqa yokuba kumiselwe umkhombandlela alungise okanye ukwenza intlawulo;
• ukuba inkampani yeinshorensi kukho isivumelwano kwisikhululo ulondolozo lobungcali, kulo mzekelo, ixhoba ungakhetha phakathi intlawulo ekhawulezileyo imali, kwakunye kwicala wesithuthi lakhe wokulungisa apho isivumelwano CTP phandle emva 09/01/2014.

Le migaqo isebenza nokuba ngaba kwenza le nkampani Rosgosstrakh CTP. Customer ingxelo kubonisa ukuba bathobele imithetho lomntu ngamnye kuya kufuneka ukuba baqwalasele ngenyameko kangangoko ukwenzela ukuba xa kuthe kwakho naziphi na kwisimangalo ukuba kube lula kakhulu ukuba akhusele ityala labo.

Ngokwawo, isixhobo nkqubo liability weinshorensi kufuneka, ngoko ukuwutsala, kufuneka ube kuyo nayiphi na imeko, nokuba ukhetha ukuba Rosgosstrakh, okanye nayiphi na enye inkampani. Kulo mzekelo, kubalulekile ukuqonda ukuba ukuze ukhethe inshorensi enokuthenjwa ngenene, nto leyo eya kuba ukulungele ukuba siyiqonde kwimeko nganye kwaye ukukubuyisela imali ngokungqinelana nomthetho.

Kuyo nayiphi na imeko kucetyiswa nkqubo Wothenga kuphela iinkampani eyaziwa ngenene, njengoko amanani abonisa ukuba malunga ne-2% yenani lilonke nkqubo kukhona fake (mthombo - Rosgosstrah, CTP, DHB). Ukuphonononga badla ukuba kwimeko lokuthenga le nkqubo inkampani olungaziwayo ungagcina esehlelwa amandla kakhulu, imizwa kunye nexesha kwimeko xa kuthe kwingozi yemoto wafumana yobhaliso ezingachanekanga okanye olungasebenziyo lwe ipolisi ye-inshorensi.

Ukuba akuqinisekanga sokunyaniseka ipolisi yakho inshorensi, ujonge phandle nkqu online ngokusebenzisa website esemthethweni ye PCA.

Yaye khumbula ukuba CTP akuthethi ukukhusela imoto yakho, likhusela kuphela luxanduva lwakho ukuba abanye abaqhubi. Kungcono ke ngoko ukuba babhalise ngokwahlukeneyo njengoko ipolisi ye-inshorensi eyongezelelweyo CASCO.